Independent Broker · 8-State Licensed · Zero-Impact Pre-Approval
Hundreds of lenders compete.
You get the rate.
I’m Duane Buziak, Mortgage Maestro — an independent broker with access to hundreds of wholesale lenders, not one bank’s rate sheet. Every application starts with a soft credit pull, so comparing your options never dings your score.
See My Rate — No Credit Hit
Call 804-212-8663
5.0★ · 257 Google Reviews
#114 Nationally — Scotsman Guide 2025
VA Broker of the Year, 2024–2025
Dare to Compare — Sample Scenario
LIVE ESTIMATE
Big Bank Retail RateSingle-lender shelf
7.125%
Online Lender AverageNational advertised avg.
6.980%
Duane Buziak, Mortgage MaestroBest of hundreds of wholesale lenders
6.625%
Illustrative example based on a $350,000 conventional loan, 20% down, 740+ credit score. Actual rates vary by lender, credit profile, and market conditions at lock.
Track Record
Recognized nationally. Trusted locally.
15+ years originating loans across Central Virginia and beyond — the numbers behind the name.
01#114 Nationally — Scotsman Guide Top Originator 2025 · $44.4M volume, 124 loans, 90% purchase
02Scotsman Guide Top Originator 2026 — $51.2M volume
03VA Broker of the Year, 2024 & 2025 — Best of Best Awards
04Best Mortgage Broker, Richmond 2024 — Expertise.com
05UWM PRO ELITE 2025 · UWM Top 20 Purchase LO, Virginia 2025
06Glen Allen Mortgage Broker of the Year 2025 — Alignable
Today’s Rates
LIVE
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Get instant wholesale rates from multiple lenders. Live pricing updated 24/7—no credit pull, no contact info required. See real-time rates from Freedom, PennyMac, and UWM.
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FHA 30-YR FIXED
6.08%
APR 6.26%
▼ Live Feed Active
CONVENTIONAL 30-YR
6.48%
APR 6.66%
▲ Live Feed Active
CONVENTIONAL 15-YR
5.65%
APR 5.83%
▲ Live Feed Active
5/1 ARM
5.92%
APR 6.10%
▼ Live Feed Active
Synced live • No credit pull required
EQUAL HOUSING LENDER
Duane Buziak NMLS #1110647
Coast2Coast Mortgage LLC NMLS #376205
Disclaimer: The rates shown above are estimates for informational purposes only and are subject to change without notice based on market conditions, credit score, loan amount, property type, and down payment. This is not a commitment to lend. Contact a licensed loan officer for a customized quote and official loan estimate.
Why Work With an Independent Broker
A bank sells you their rate. A broker finds you the market’s rate.
Retail banks and single-lender platforms can only offer what’s on their own shelf. As an independent broker, every application is shopped across hundreds of wholesale lenders — the leverage works for you, not for one institution’s margin.
WHY 01
NoTouch Credit Pull
Every pre-approval starts with a soft credit inquiry. You’ll know your real buying power and estimated rate before anything ever touches your credit report.
WHY 02
Dare to Compare
Bring your current quote — from a bank, an online lender, anyone. I’ll show you, side by side, whether hundreds of wholesale lenders can beat it.
WHY 03
The Whole-Package Savings
Rate is one lever. I also connect clients with fee-conscious title companies, discount-offering Realtors, and cost-effective insurance — often worth thousands beyond the interest rate alone.
WHY 04
One Person, Start to Close
No call center hand-offs. I handle every client relationship personally, including weekends, from first conversation through closing day.
LoanOptimizer — Smart Match
FHA or Conventional? See which fits your numbers.
Adjust the sliders to your scenario. This is a planning estimate — your actual offer depends on full underwriting, property state, and live lender pricing the day you lock.
Suggested Loan TypeFHA
Est. Loan Amount$332,500
Est. Monthly P&I$2,127
Est. Monthly Insurance (MI/PMI)$219
Est. Total Monthly Payment$2,346
Loan Programs
FHA vs. Conventional, side by side
The two most common paths to a purchase or refinance — here’s how they actually compare on the numbers that matter.
| Feature | FHA Loan | Conventional Loan |
|---|---|---|
| Minimum down payment | 3.5% (score 580+) | 3–5% (score 620+) |
| Minimum credit score | 500 (10% down) / 580 (3.5% down) | 620 typical, better pricing at 680+ |
| Mortgage insurance | Upfront + annual MIP, often life of loan | PMI, cancellable at 20–22% equity |
| Max seller concessions | Up to 6% of purchase price | 3% (<10% down) / 6% (10–25% down) / 9% (25%+ down) |
| Debt-to-income flexibility | Up to ~50% with compensating factors | Typically capped near 45% |
| Best fit | Lower credit scores, limited savings | Stronger credit, wants to drop MI faster |
What Clients Say
1,400+ five-star reviews, one relationship at a time
★★★★★
5.0
out of 5 — 257 verified Google reviews, Duane Buziak Mortgage Maestro, Innsbrook, VA
★★★★★
“Duane found us a rate our bank couldn’t touch, and the soft credit pull meant we could shop with zero risk. Answered texts on a Sunday during our closing week.”
— Google Review
★★★★★
“As a first-time buyer I had no idea what FHA vs. conventional even meant. Duane walked through the real numbers with me instead of just pushing one option.”
— Google Review
★★★★★
“We compared three quotes. Duane’s was better on rate AND he connected us with a title company that saved another $600 at closing.”
— Google Review
Frequently Asked Questions
Straight answers, before you apply
Will checking my rate affect my credit score?
No. Every initial rate comparison and pre-qualification with Duane Buziak Mortgage Maestro starts with a soft credit pull, which does not appear on your credit report or affect your score. A hard pull only happens once you move forward with a formal loan application.
What’s the difference between a broker and a bank loan officer?
A bank loan officer can only offer that bank’s own rate sheet. An independent broker like Duane shops your loan across hundreds of wholesale lenders simultaneously, so the lender competition works in your favor instead of the bank’s.
How much down payment do I actually need?
It depends on the loan type: FHA loans require as little as 3.5% down, conventional loans can go as low as 3% for qualified buyers, and VA loans offer 0% down for eligible veterans and service members. Down payment assistance and grant programs may lower this further.
What states is Duane licensed in?
Duane Buziak (NMLS #1110647) is licensed through Coast2Coast Mortgage LLC (NMLS #376205) in Virginia, Florida, Tennessee, Georgia, the District of Columbia, North Carolina, South Carolina, and Maryland.
How long does the mortgage process take?
From application to closing, most loans take 30–45 days, depending on how quickly documentation is provided and the complexity of underwriting.
Is LowerMortgageRates the same as Lower.com?
No — LowerMortgageRates.com is an independent mortgage brokerage tool, not affiliated with Lower.com.
Ready when you are
See your real rate. No hard credit pull, no obligation.
Duane Buziak
Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage LLC | Lower Mortgage Rates
Licensed in: VA, FL, TN, GA, DC, NC, SC, MD
📱 (804) 212-8663 |
📧 duane@coast2coastml.com
Verified Credentials & Reviews
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